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Defeat Debt with Credit Advisors - October 2000
Dear
Client, Your monthly
statement is enclosed. Please
verify your payment is properly credited! Compare your billing statements
to your Credit Advisors statement. Make
sure your creditors have given you credit for the payments we sent to
them. Contact us, if you notice any differences.
If a creditor calls you,, tell them you are now with a credit counseling agency and they should call 402-393-3100. Give them your client number and the name of your account manager.
****
Very Important Notice*****
End of Month
Processing
If you need to make a change to your EFT payment,
send WRITTEN NOTICE to us no less than 10 business days prior to
your pull date. Our fax number is 402- 393-4141. After faxing, wait 30 minutes then call us to verify your
request has been received.
You money
order or Western Union payments must be in our office by 10 AM July 20th to be
processed for end of month. NO personal checks, thank you! Please be
advised, in the event an electronic funds transfer (EFT) or bank account has
one of the following challenges, a charge will be assessed to your CA account. Account
Closed
=
$15.00
WAYS TO PLUG HOLES IN YOUR
BUDGET Benjamin
Franklin once said, “Beware of
little expenses; a small leak can
sink a great ship.” Enclosed
are some ways to plug holes in your budget and enrich your pocketbook.
Most are pretty painless and don’t require any real sacrifice. 1.)
If you have a computer, cut your phone bill by
e-mailing those friends and family members that are far away. 2.)
Unplug that extra refrigerator in the garage or
basement. A typical
refrigerator burns up to $130.00 worth of electricity a year. 3.)
Turn down the thermostat on your hot water heater
to 120 degrees. You can save as much as $26 per year if you heat water with
gas and $57 per year if your heater is electric. 4.)
Install high efficiency showerheads and faucets.
This can save the typical household $33 per year in water bills and as much
as $86 more in energy costs. 5.)
Sign up for overdraft protection on your checking
account. Just one bounced check
can cost you as much as $75.00 6.)
Dodge unnecessary bank charges. (ie: ATM and
minimum balance charges) 7.)
Don’t order checks through your bank.
Check with Current, Designer Checks, and ads for other printers that
can be found in the Sunday paper) 8.)
Ask your home or auto insurer if you could get a
break on cost if you insured both policies from the same provider. 9.)
Don’t buy higher octane fuel than your car needs. 10.)
Shop for Birthday and Christmas gifts year round during the
clearance sales. 11.)
Avoid impulse buys. Make a shopping list and stick to it. 12.)
Cancel subscriptions to magazines you don’t read. 13.)
Trim the cable bill by ridding yourself of
premium packages. 14.)
See a movie at the $1.00 theatre or go to the
twilight show.
CREDITOR
CORNER (The
who’s who and the what’s new in the creditor world of today!) IMPORTANT!! BEWARE
- MISSING A PAYMENT ON YOUR COUNSELING PLAN CAN RESULT IN DEVASTATING
CONSEQUENCES. MANY CREDITORS HAVE BEGUN IMPOSING STRICTER PAYMENT POLICIES IN HONORING SPECIAL BENEFITS TO CREDIT COUNSELING CUSTOMERS. FOR EXAMPLE, SOME CREDITORS REQUIRE THE AGREED UPON MONTHLY PAYMENT BE MADE TO THEM WITHOUT FAIL ONCE THEY HAVE ACCEPTED A CREDIT COUNSELING PLAN. IN SOME CASES, CREDITORS ARE SUSPENDING COUNSELING BENEFITS PERMANENTLY.
Send Statements Your creditors DO NOT send us copies of your statements!!! We need to hear from you about creditor statement balances!Please e-mail, fax, or mail us copies of your
creditor statements every three months. Check out our bookstore for more great reading on how to save money.
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